Yeah it's 3, think of it as a dialogue. Two entities will be assigned their own sides (left and right) so the audience can more easily understand the physical layout of communication. In this case the two entities are the girl and her phone.

3 is the "by the book" one; however, I don't see an issue using #2 depending on what the NEXT shot after it is. Would be nice to then do a mid of the girl on that same side as 2 looking up from phone and over camera, almost as if checking to be watched.

#3... She's left-to-right in the wide shot, she should be on camera left in the insert, so over her right shoulder. But it's not the end of the world if they use #2, it's almost close enough in angle to be her POV of the phone, which would be screen-direction neutral.

To me, the 180º rule is just to not get your audience confuse. In this case, each shot is usable, because nobody in the audience is going to say "whooa, who's that phone!" if you use the number 2. In fact I kinda like more the second shot.

#3... She's left-to-right in the wide shot, she should be on camera left in the insert, so over her right shoulder. But it's not the end of the world if they use #2, it's almost close enough in angle to be her POV of the phone, which would be screen-direction neutral.

That's exactly what I was thinking. If you think of it as a dialog yes it's #3 but her POV is the phone so #2 work for me to.